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Locating Affordable
Health Insurance For Businesses and Individuals Many business organizations include group health insurance as a member
benefit. And many individuals and business owners join an organization
specifically for the membership benefits. So first, review the benefits of
organizations you belong to or that are located in your community. The list
below may help you get started. Some states, Washington for example, provide basic health to lower income
residents and many new business owners fit this category. For additional
information, contact your State Insurance Department. Locate your state's DOI web site and find the area within the agency that
health insurance falls under. Request a list of registered insurance companies
and ask about complaints that have been filed against them. Many insurers offer
insurance in a state where they are not registered. If anything goes wrong, you
have no recourse. Check your phone book for Insurance Brokers who will provide you with health
insurance resources they've used. Check a few brokers in your area since
they may deal with different companies. There are many companies, who provide, as part of their overall services, a health plan. Some I found while researching are: www.affordableservices.com Check your department store and wholesale store memberships. In some states,
Costco, www.costco.com, offers health
insurance. So check every potential membership you possess. Do you have a doctor(s) you really respect? If so, ask your doctors what
policies they accept and start your research there. In some states you may qualify as a "domestic partners" and
therefore share in health coverage. In some companies, even in states where you
might not qualify as a domestic partner, you maybe eligible for insurance
coverage. Your spouse may have coverage for you, too. Check it all out. Ask your friends and colleagues what companies they use. This is a great way
to find out which companies to stay away from and which to explore. Every few years, conduct a check of the health services and prices available
in your area. Why pay more than you have to? And remember... always check with
your state's DOI before purchasing insurance from a company - off or on-line. |
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